A typical comprehensive Business Owner Policy includes: property insurance, business interruption insurance, crime insurance, vehicle coverage, liability insurance and flood insurance. Depending on any additional risks your business might encounter, supplementary components can be added to the original package. First, property coverage may account for business buildings and their contents, including — but not limited to the following: inventory, office equipment, furniture and computers, equipment leased or rented for business use, and property, currently in your care that belongs to someone else, that is accidentally damaged. Second, liability coverage accounts for damages that you are legally obligated to pay as a result of bodily injury, property damage or personal or advertising injury, up to the policy limits and subject to your deductible. In effect, Combining protection from all major property and liability risks in one package helps to keep your premiums lower and is generally more cost-effective.